Written by George Bian Mei: Proofread by Ching Tien: Wisteria

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The welfare of the "rich"?

The new game of robbing the poor and helping the rich by banks has begun!

on June 6th, the housing fund management center of the provincial government provided staged policy support to the provincial deposit units and employees to help enterprises and employees in difficulty overcome the impact of the epidemic and promote the normal order of production and life. And issued the "Notice on Implementing the Phased Support Policy for Housing Provident Fund".

I won't go into details, but I'll talk about the most crucial one:

Workers with difficulties who can't repay their housing provident fund loans normally due to the COVID-19 epidemic can apply to the provincial capital center for extension.

the deferred loan principal and interest will not be overdue and will not be submitted to the credit reporting department as overdue records. If the business information affected by the COVID-19 epidemic exceeds the time limit, you can apply to the provincial capital center to extend the relevant business.

The implementation date of these three phased support policies is from June 6th to February 31th.

well, the policy is very good;

but I think about it, but I can't sleep. I have a question in my heart!

For provincial units, or those who have paid the provincial provident fund:

Is this money needed?

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Please help those needy groups!

hemp rope is only broken in small places, and bad luck is for bad people.

which industries and people are most affected by the epidemic at present?

small and micro enterprises, individual industrial and commercial households, freelancers, flexible employees, etc!

not those who have prepared and can use the provident fund, especially the provincial provident fund!

in fact, before the policy was issued by the housing fund management center of the provincial government, that is, on June 8, Henan Province issued the Implementation Plan for Implementing a Package of Policies and Measures to Stabilize the Economy, which involved 155 specific tasks in ten aspects and defined the responsible units and schedule requirements.

Article 37 stipulates that the policy of deferred repayment shall be implemented for those groups with special difficulties who cannot repay their housing mortgage loans in time due to epidemic and other reasons.

we sincerely applaud the policies issued by relevant departments and actively support them!

however, when it comes to the bank, the execution will be greatly reduced!

you've been to people who have deferred payment, and you'll know how difficult it is!

Call the account manager, or I didn't inform you, or I didn't inform you that the details haven't come out yet. After the details come down, you may not be a qualified person!

even if you pass all the procedures, will your stress be relieved after a series of complicated procedures?

no, it will be bigger!

although the policies given by various banks are different, the general idea is basically the same!

1. Delayed repayment is not included in the credit report, but it should be no less than one point when the time is up!

2. Not only can't you repay less, but during the period of delayed repayment, your delayed principal will also generate extra interest, which will increase the pressure on buyers!

an extension?

it is impossible to postpone, and it will not be postponed in my life!

——3——

If Zhengzhou wants to develop, it must first treat "Laofen" well!

in the development of Zhengzhou, we can't just see the new people laughing, but we can't see the old people crying.

since 2123, the mortgage interest rate has dropped sharply, from 5.88% to 4.25% today.

in other words, from 2117 to 2123, the vast majority of property buyers were trapped at a high level of 5.88% to 6.37%!

If the same loan is 1 million yuan, the equivalent principal and interest will be calculated for 31 years:

About 1,316 yuan more per month! It will cost about 15792 yuan more a year.

this is not a small sum for any family. Enough to support a normal family's water, electricity, heating, property fees and other expenses.

from 2117 to 2121, the population of Zhengzhou increased rapidly. These people from towns have low incomes, but they all want to settle in Zhengzhou. At the same time, they are the backbone of society from top to bottom.

with such a high interest rate, the key is to use extremely high housing prices to truly realize the double high guard!

Now all the preferential conditions have been given to the incremental market and the "difficult group" with the interest rate of 3.5% of the provincial provident fund.

but ignoring the feelings of people who have already bought a house is doomed to be ineffective!

Like killing the goose that lays the golden egg, people who buy a house in Zhengzhou with practical actions have no sense of gain, so leeks naturally dare not enter the market!

People judge whether a house can be bought and decide whether to buy it

Now no one cares about the new houses in Zhengzhou. Why? On the one hand, because of the epidemic, on the other hand, because the price of second-hand houses can't go up, or second-hand houses can't be sold. People lose tens of thousands or hundreds of thousands when they buy a new house, or they can't sell it.

If the second-hand housing market is depressed, people can easily reach the knowledge that houses in Zhengzhou can't be bought, and soon new houses will be neglected.

there are no permanent new houses, only permanent second-hand houses. As long as buyers buy a house, they will eventually become second-hand house owners.

If the second-hand houses can't maintain and increase their value, fewer and fewer people will be willing to buy houses, and the real estate can't prosper for a long time.

To stimulate the vitality of the incremental market, it is necessary to revitalize the stock market, so that people who have already bought houses in Zhengzhou have a sense of gain, and a virtuous circle can be formed. Instead of trying to buy new wool for those who have already bought a house in Zhengzhou.

this is true for property buyers, especially for Zhengzhou enterprises!

Zhengzhou makes great efforts to attract investment every year! You can feel it from the new leader's itinerary!

but, but, but!

but we neglected to help local enterprises!

what is the best investment attraction?

it is to give preferential treatment to existing enterprises in Zhengzhou! Let the business environment go up, enterprises can survive and make money!

if you plant a plane tree, you will have your own phoenix!

At present, many small and micro enterprises and individual industrial and commercial households in Zhengzhou are ignored, because many causes of the epidemic are on the edge of PC!

no, many of them are already PCs!

if at this time, the relevant departments can go all out to help enterprises tide over the difficulties, let enterprises survive and make money. Enterprises in other places have a look at this posture, not to mention that you have gone to attract investment.

, people are scrambling to get here!

helping is not just a slogan!

It shouldn't be in principle, it shouldn't be verbal support ...

Instead, it should be specific rules! Introduce specific rules for inclusiveness.

let the people at the grass-roots level and the enterprises at the grass-roots level get real preferential treatment!

Many catering enterprises may be able to survive with a government subsidy of three months' rent, and each company can guarantee at least 3-4 jobs; What's the use of just reducing the rent of state-owned property rights? Can ordinary people rent a house like that?

Many downstream industries, if FL is guaranteed, so that the upstream can repay the overdue payment in time, they can continue to operate, ensuring the rice bowl of the whole company, and how many companies are dragged to death by the overdue payment!

Many street vendors, even if CG can be lenient and let others put on an extra day, may be able to solve the problem of food and clothing for a family.

all these things are too numerous to mention.

hundreds of billions of aid funds are not available to ordinary people, and most people don't feel it! Do you feel it?

oh, yes, I got the coupon, the one with full reduction, which is the same for a certain treasure and a certain group.

——4——

Believe in Zhengzhou and the future decisions of relevant departments!

fortunately, Zhengzhou's policies are constantly improving! I also believe that the future will be better!

For example, the 3.1 New Deal cancelled the differential tax;

For example, various new relief measures have been introduced! On 6.15, Zhengzhou issued a notice on policies and measures to stabilize the economy and promote growth in Zhengzhou, and introduced a series of new measures;

In terms of attracting investment, leaders at all levels are also meeting with senior executives of various enterprises!

However, the author calls for:

1. Be kind to those who have bought houses in Zhengzhou. In addition to the provincial provident fund, municipal and ordinary commercial loans can also carry out interest rate-related conversion, enjoy the latest policy dividend of 4.25 interest rate, boost consumption and increase people's happiness! At the same time, the municipal and ordinary commercial loans will also introduce the repayment extension policy for people with difficulties as soon as possible, simplify the procedures and lower the application threshold!

2. Be kind to all kinds of enterprises that have been deeply cultivated in Zhengzhou for many years. We spend a lot of time and energy to attract foreign investment, so it is better to give these concessions to our local enterprises in Zhengzhou! Direct business subsidies to merchants, so that they can live and live better, forming a demonstration effect! Foreign enterprises will come naturally when they see it!

3. Various favorable policies, please help those needy groups! Nowadays, housing enterprises that need low-interest loans are not those central enterprises, but various private enterprises. What needs to be bailed out is not the people whose interest rate is 3.5, but the majority of ordinary people with a commercial loan interest rate of 6.

Finally, I wish Zhengzhou better and better, and everyone can tide over this difficulty together!

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Remarks: Related Questions and Answers: How do you feel about the 31-year mortgage?

Hello, I am a real estate agent who has been engaged in the real estate industry for more than 4 years, and I am glad to answer this question for you.

feeling comes from money happiness.

mortgage is no stranger to the post-81s and post-91s generation, and the post-81s and post-91s generation are the main force in buying houses in today's society, mainly for just-needed.

There are mortgage loans, provident fund loans and commercial loans. There are two repayment methods for commercial loans, namely, matching principal and interest and average capital. Let's analyze them one by one. At present, the interest rate of the central bank is 4.9, but all banks in China have gone up by 11%~25%. For example, the annual interest rate of 21% is 5.88. With the calculation method of principal and interest, the loan is 1 million yuan for 31 years, and the monthly payment is 5,918 yuan. The interest after 31 years is 1,131,685 yuan, and the principal plus interest is 1,131,685 yuan. If average capital's repayment method is adopted, the first monthly payment will be 7678 yuan, and then it will be gradually reduced by 14 yuan every month, and the total interest will be 884451 yuan, and the interest plus principal will be 1884451 yuan.

in general, the standard of bank loans is more than 2.5 times the debt ratio of your monthly income and your monthly expenditure. If you choose the repayment method of equal principal and interest, you will have to pay almost 6,111 yuan a month, which means that the monthly income of your families must reach at least 15,111, and you must also ensure that there are no other liabilities. If there are any liabilities within the car loan, the income will even reach the standard of 18,111. This level can maintain the normal operation of a family without feeling the pressure of mortgage.

Are you surprised by the fees calculated above? The interest is actually higher than the principal.

are you surprised that the above interest has reached 1.13 million? Don't be surprised. I'll analyze the situation with you one by one. Mortgage is the loan that ordinary people can get from the bank with the longest amount, the longest time and the lowest interest. We have to take an important figure into account, inflation. At present, the annual inflation rate in our country is 3%. That is to say, 1 million times 3% times the number of years, 31 years is 911,111, and 1 million MINUS 911,111 is the same value as today's 1 million. We should also remember that every house can see the inflation rate, which means that the annual increase of houses is definitely more than 3%.

Summary

I haven't mentioned that there is a provident fund loan. Now it is relatively difficult to make provident fund loans in China. If you can make provident fund loans, try to choose provident fund, and the loan interest is equivalent to 2/3 of commercial loans.

how do you feel? If your income level can reach your debt ratio, which is more than 2.5 times, you won't feel great pressure in your life. If your income is more than three times or even higher than your debt ratio, you will feel very happy.